Vyaya
Side-by-Side Comparison|Updated March 2026

PhonePe HDFC Bank Uno Credit Card vs ICICI Bank Manchester United Platinum Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

PhonePe HDFC Bank Uno Credit Card

8/10
Annual Fee₹499
Base Rewards0%
NetworkRuPay
View Full Details

ICICI Bank

ICICI Bank Manchester United Platinum Credit Card

6.5/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeaturePhonePe HDFC Bank Uno Credit CardICICI Bank Manchester United Platinum Credit Card
Annual Fee₹499₹499
Joining Fee₹499₹499
Fee Waiver Spend₹1,00,000₹1,25,000
Base Reward Rate0%0.25%
Reward CurrencyCashPointsICICI Bank Reward Points
NetworkRuPayVisa
Editor Rating8/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

PhonePe HDFC Bank Uno Credit Card

No accelerated rewards listed

ICICI Bank Manchester United Platinum Credit Card

  • 0% on Manchester United Match Days

Pros & Cons

PhonePe HDFC Bank Uno Credit Card

Pros

  • 1:1 reward redemption ratio for statement credit (cashback)
  • Joining fee effectively zeroed out through welcome gift cards
  • Seamless UPI integration on RuPay network with rewards for scan & pay
  • Accelerated rewards on popular online brands like Amazon and Flipkart

Cons

  • No airport lounge access provided in this variant
  • Strict monthly caps of 500 points per category
  • No reward points on offline/in-store swipes (non-UPI)

ICICI Bank Manchester United Platinum Credit Card

Pros

  • Exclusive Manchester United branded football as a welcome gift upon spending ₹1,000.
  • Accelerated 3 reward points per ₹100 spent on Manchester United match days.
  • Top spenders get a chance to win signed jerseys and a fully-paid 'Manchester United Experience' at Old Trafford.
  • 25% discount up to ₹100 on movie tickets twice a month via BookMyShow and INOX.

Cons

  • Lounge access requires a high quarterly spend of ₹75,000.
  • Low base reward rate of 0.5% (2 points per ₹100) for non-match day spends.
  • Reward points are excluded on rent, government, and education payments.

Our Verdict

PhonePe HDFC Bank Uno Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose PhonePe HDFC Bank Uno Credit Card if

Users who heavily utilize PhonePe for bill payments, recharges, and travel bookings will benefit most from the 2% reward rate.

Choose ICICI Bank Manchester United Platinum Credit Card if

Offers unique access to club merchandise, match tickets, and stadium tours for top spenders.

Frequently Asked Questions

Which is better: PhonePe HDFC Bank Uno Credit Card or ICICI Bank Manchester United Platinum Credit Card?
PhonePe HDFC Bank Uno Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between PhonePe HDFC Bank Uno Credit Card and ICICI Bank Manchester United Platinum Credit Card?
PhonePe HDFC Bank Uno Credit Card has an annual fee of ₹499, while ICICI Bank Manchester United Platinum Credit Card has an annual fee of ₹499. PhonePe HDFC Bank Uno Credit Card offers a fee waiver on ₹1,00,000 annual spend. ICICI Bank Manchester United Platinum Credit Card offers a fee waiver on ₹1,25,000 annual spend.
Which card has better rewards: PhonePe HDFC Bank Uno Credit Card or ICICI Bank Manchester United Platinum Credit Card?
PhonePe HDFC Bank Uno Credit Card offers a base reward rate of 0%. ICICI Bank Manchester United Platinum Credit Card offers 0.25% base rewards with bonuses on Manchester United Match Days. The better choice depends on your primary spending categories.
Can I have both PhonePe HDFC Bank Uno Credit Card and ICICI Bank Manchester United Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. PhonePe HDFC Bank Uno Credit Card and ICICI Bank Manchester United Platinum Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: PhonePe HDFC Bank Uno Credit Card or ICICI Bank Manchester United Platinum Credit Card?
For beginners, PhonePe HDFC Bank Uno Credit Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

PhonePe HDFC Bank Uno Credit Card vs Swiggy HDFC Bank Credit CardICICI Bank Manchester United Platinum Credit Card vs Swiggy HDFC Bank Credit CardPhonePe HDFC Bank Uno Credit Card vs ICICI Bank Manchester United Signature Credit CardICICI Bank Manchester United Platinum Credit Card vs ICICI Bank Manchester United Signature Credit CardPhonePe HDFC Bank Uno Credit Card vs Axis Bank My Zone Credit CardICICI Bank Manchester United Platinum Credit Card vs Axis Bank My Zone Credit Card

Explore More

PhonePe HDFC Bank Uno Credit Card Full ReviewICICI Bank Manchester United Platinum Credit Card Full ReviewAll HDFC Bank CardsAll ICICI Bank CardsBest Cashback CardsBest Shopping CardsBrowse All Credit CardsCredit Card Guides & Tips